Best Mortgage Broker, Mortgage Calculator, Rates & More

Remember, it’s not just about rate

But here’s some current starting points

Insured*

3.89%

5 year fixed

Insured*

3.70%

5 year vrm/arm

Uninsured

4.29%

3 year fixed

As of Dec 10, 2025 Canada’s prime rate is 4.45% with most financial institutions
*5 year term, 25 year amortization with less than 20% down (high ratio insured)

Quick & Easy Mortgage Calculations

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Contact me

(your new favourite west coast, east coast mortgage broker)

Mortgage Architects, A Better Way
Licenced in all of BC
Mortgage Architects Corporate #12728
(coming soon) Licensed in all of NS
email: kerri@mortgagemom.ca
phone: 778-242-6183

Just some of the fabulous lenders we work with

What clients say

Programs and Core Values

Where we can help, and the philosophies we follow.

Renewals and Refinances

Renegotiating your existing mortgage to get you better terms, or a better product, consolidate some debts, or maybe even a Line of Credit for you to do those home renovations you want to do.
→ Renewals & Refinance

First Time Home Buyers

I’m here to help you right from the start, all the way until you have your keys in your hands. I walk WITH you through the process, educating along the way to make sure you are confident with your purchase.
→ First Time Home Buyers

Investment Properties

Interested in getting and investment property to earn a return on the investment, either through rental income, the future resale of the property, or both? That’s something I can help you with.
→ Investment Properties

Credit Repair

Have collections, late payments, or high balances hurting your score, and need to fold debt into your mortgage so you can rebuild? I can help with that. Many homeowners go through credit bumps at some point, and using your mortgage to clear debt can be a smart way to reset, reduce stress, and get back on solid footing.
→ Debt Consolidation Mortgage Guide

Transparency & Honesty

No hidden fees. No hidden details.
Everything out in the open, as it should be.
I work for you, and will ensure that I match you with the mortgage products that work for your lifestyle & goals.

Education

I have an educational philosophy.
I believe that a mortgage isn’t just “sign here”
I want my clients to understand why picking specific terms or products matter more than others.

Fast Pre-Approvals

Fast pre-qualifications because I know that time matters.
Documents up front mean that when you’re ready to put in an offer on that perfect home, submission to a lender and approval won’t be far behind.

Flexible Availability Outside of Bank Hours

I’m based in BC (for now – at some point in the next few years you’ll find me lake side somewhere around Yarmouth) but I work with clients in Nova Scotia too.
Here’s when I’m typically available for calls:
BC Hours
Weekdays: 10 am–4 pm & 7–9 pm
Weekends: 12 pm–4 pm (some flexibility, just ask)
NS Hours
Weekdays: Noon–8 pm
Weekends: 3 pm–7 pm
If you need help outside of these hours, just send me an email, text, or WhatsApp, and I’ll respond as soon as possible.

For clients in Nova Scotia who need to provide documents in person, I do have local support in the Yarmouth/Barrington area.